Scaryteacher, you misunderstood my last post. What I said was that you seem to think that everyone who is in debt is the same as your friend - this does not mean that I think you're assuming everyone is in debt. Hope that's clearer now!
I'm genuinely astonished at your response to my saying that 'we all f up, even you'. Perhaps again you misunderstood me. I don't need to know somebody to know that this fact is true of us all! Now, you're not genuinely saying that you've never made a single mistake in your life, are you? We all make mistakes, whether ones related to debt or any other areas of life. This is what I was saying, and I'd be amazed if you were the only exception to this rule.
As for my comment about you being unreasonable, that was referring back to you saying 'that's their problem' when people get into debt. I think this shows a lack of interest in understanding people's situations - and yes, I think that is an unreasonable attitude. Am I suddenly not allowed to say that I think you're being unreasonable? This is the AIBU thread, after all!
Finally as far as gift giving is concerned, I'm again astonished that some people on this thread seem to themselves as the most important figure in the gift-giving circle. I thought the whole point of giving a gift was to make the recipient happy. One of my friends loves gifts which are immensely practical and which I find quite dull. However I know that he will be delighted to receive a new garden hose or a new set of gardening tools, so I swallow my pride and give them to him, knowing it's a much-desired gift.
Okay, I'm off my soapbox now!